Not do. Announcer Identity Theft is the Fastest Growing crime in america. What does that mean to you . Find out as we take an inside look at Identity Theft with lifelock. Now, heres tom jourden. Todays Technology MakesIdentity Theft easier and easier. If you use a smartphone, shop online, use public wifi, or fill out forms or applications, youre at risk. Even your personal information stored by insurers, employers, schools, and others is vulnerable to identity thieves. Your information is out there. And buying and selling it is big business for criminals, who can steal your identity from almost anywhere in the world. In todays digital world, you are more likely to actually have your identity stolen than your car stolen or your home burglarized. If your personal information is out there, it could be used again and again and again. Its not out there to only one person. It could be spread out to numerous identity thieves all over the world. How much do you really know about Identity Theft . Do you think its just crooks making charges on your credit card . Think again. Credit card fraud is only a small part of Identity Theft. Its just the tip of the iceberg. Thieves can commit much more serious crimes. They can take out loans in your name, steal your tax refund, or use your medical insurance to file claims. They can even give your name if theyre arrested. Someone got ahold of my drivers license number, and obtained tickets pretending to be me, giving my information to the police officer. My employer told me that i had seven days to clear it up or i would be unemployed. I had to prove that i was innocent, because to them im looking guilty, as if i have something to hide. Theres a new victim of Identity Fraud every two seconds. 1 in 4 people have already experienced it. And over 160 million records were exposed in 2015 alone. If you have a Social Security number, it could happen to you. Is there anything you can do about it . I signed up for lifelock. We have someone in our corner to help fight that fight. Millions of people have already made the smart choice to become members of lifelock, because its the best identitytheft protection available. Lifelocks awardwinning technology scans hundreds of millions of transactions each second to spot threats to your identity. If youre a member, and lifelock detects your information being used, you get an alert. And unlike free credit monitoring that just monitors your credit, lifelock detects a wide range of identity threats. If you have an identitytheft problem, a u. S. Based lifelock agent will work to fix it. We have your back. Were gonna be there for you. Were going to give you that peace of mind. You have this whole team of people on your side, and you know that you dont have to go it alone. It was like, ah, they know what theyre doing. Great feeling. Identity thieves dont discriminate based on your income, location, or age. Ive been a victim. And even my daughter, when she was just 7 years old, had her Social Security number stolen. When it happens to you, you want you need to be prepared. Today, were going to take a close look at the world of Identity Theft. So you can understand where youre at risk and learn how to help protect yourself. In my early days with the fbi, the crooks would go into a bank with sunglasses and a hat, rob the bank, theyd probably get caught, face 10 years in prison. Now they steal our identities. Former fbi special agent jeff lanza was in the field for over 20 years. Hes an expert in Identity Fraud and cybercrime, and he believes Everyone Needs help protecting their identities. 10 years ago, i didnt even think about Identity Theft but then, unfortunately, i became a victim. And now we hear that its the fastestgrowing crime in america. I think most people think if they have a problem, their bank or creditcard company will just take care of it for them, right . Well, it depends on what the problem is. If the problem is creditcard fraud someone used your existing creditcard number or cloned your card yeah, the bank will take care of that. But thats just one part of the problem of Identity Theft. Theres a much broader problem, and that is when someone steals your identity entirely. Theyve got your i. D. , theyve got your Social Security number, they apply for these accounts in your name. You dont even know its happening. You may not figure it out until you get a call from a bill collector or creditcard company that says youre past due on a credit card that you dont even know you had. So, when youre on your own, youre kind of just blind that this is happening, cause theres no one out there looking out for you. Thats exactly right. You know, we have our jobs, we have our family, we have our life. Do you want to take hours out of your day, maybe for days and weeks at a time, to try to figure out how to correct the problems that the identity thief caused . If you were gonna do all that, i dont know how much time it would take or even where you would begin to do that. You dont have the technology to do that. What can we do to protect ourselves . The earlier Identity Theft gets detected, the sooner you can address the issues and stop it from getting worse, and thats where lifelock comes in. They deal with this every day. So, when people get their identity stolen, you know, they know what to do and they help you through that. And you dont have to think, what do i do next . Who do i call . How do i handle this . Theyre gonna help you get through all that. And to me, that alone is great peace of mind. Even if it were to happen to me, i know i got somebody working for me thats gonna help me get through it. Technology makes our life easier, but it also makes Identity Theft easier. Jim stickley is a cybersecurity expert paid by fortune 100 companies to think like a hacker. We asked him to show us how criminals can steal information from us when were least expecting it. No one thinks theyre gonna fall victim to Identity Theft, but check this out. In a cafe like this, you know, people have this idea that theyre safe when theyre online. They feel that its being provided by the local cafe here, so it should be safe. The reality is, though, that Something Like this this is a wifi device can be brought to a local cafe, set up right here in front of people without them even knowing it, and instead of them connecting to the wifi in the organization, theyll be connecting to this wifi device instead. Well, if they type in login credentials, ive got them. If they type in a password, ive got it. If they type in creditcard information, ill get that, as well. All of this information can be captured by the criminal, and then they can use that information to commit Identity Theft. I do these scams to show people whats going on out there. Criminals are continually finding new ways to rip people off. And the bottom line is, you need somebody in your court. Thats why lifelock makes all the difference in the world. What exactly does lifelock do to help you protect your identity . To find out, we talked to some of the people at lifelock, whose one job is to help protect your identity. All our information, my personal information is out there, your personal information is already out there, whether its out there because of a data breach, whether its innocent usage of social media. It doesnt take a whole lot of effort to commit Identity Fraud. So lifelock is always trying to stay one step ahead to make sure that weve got the latest technology in place to tell our members when their identity is used within our network. If youre a lifelock member, youll get alerts like this when lifelock detects your information being used. If its you, no problem. But if its not you, a dedicated u. S. Based lifelock agent does almost all of the work for you to help fix it. They have the expertise to get the job done, and that can save hours, days, even weeks of your time. Our responsibility, our job, and our pride is in making sure we do what we say were going to do. So my initial step is letting the member know exactly whats going to happen during our phone conversation so that we can create this plan for us to start working on getting this issue resolved for them. We help with all different types of Identity Theft. As small as credit cards, it could be as large as home mortgages. It could be tax fraud during tax season. I can work any case for you. My cellphone goes off at just past 6 00 a. M. , and its a text alert from lifelock. Someone attempted to use my name and Social Security number to open a credit card. They filled out an Application Online with a 10,000 limit. Lifelock caught it, notified me, and we were able to stop that credit card from ever being issued because we caught it early enough in the processing phase. If your identity is stolen, dont you want the problem handled by professionals . A creditcard Company Might help you with a charge you didnt make, but lifelock does much more. Because theyre completely dedicated to resolving all types of Identity Theft and helping you protect your personal information beyond just your credit cards. Dont wait until youre a victim. Heres how to join today. Announcer how vulnerable are you to Identity Theft . Do you shop online . Give out your birth date or Social Security number . Use a smartphone . 1 out of 4 people have been a victim of Identity Theft. Could you be next . I was scared. She had my home address, she had my telephone number, she had my Social Security number, and she was able to make a purchase for 8,000. I was hit with 12 Different Cases of Identity Theft within three days. How did somebody get ahold of my identity and become me . When your identity is stolen, you just feel so violated and just so helpless. But knowing that you have lifelock, it just you have this whole team of people on your side, and you know that you dont have to go it alone. Announcer now its your turn. Join the millions of people who made the smart choice to become members of lifelock, the best identitytheft protection available. A lifelock membership means you have awardwinning Technology Working for you, scanning hundreds of millions of transactions each second to detect and alert you to threats. If we detect your information being used, we will send you an alert. If you have a problem, a dedicated u. S. Based agent will be assigned to your case and take the lead to fix it. When i have been assigned to a members case, i am actually their restoration specialist throughout the term of the membership. Announcer while free credit monitoring only alerts you to changes in credit, lifelock detects a wide range of identity threats and helps to resolve problems. Lifelock, theyre not just gonna monitor your credit. Theyre gonna be there to help you afterwards, if something happens. The creditmonitoring agencies, theyre just gonna go, nope, you had an issue. Its on you. Whereas lifelock says, let us help you. Announcer our u. S. Based team of specialists works to resolve all types of Identity Theft. And well spend up to 1 million on lawyers and experts if thats what it takes. They know everything that theres no way i could know. I dont have to think about how do i fix this . I turn it over to lifelock and theyll help me. Announcer when thieves steal your identity, it can cost you time, money, and peace of mind. Be prepared so you dont have to face Identity Theft alone. Start your lifelock membership right now for as little as 9. 99 a month. Every lifelock member gets identitythreat detection and alerts, a u. S. Based agent working to fix issues, up to 1 million for lawyers and experts if needed. We have an alarm system on our house. We didnt wait for our house to be robbed before we put it in. With lifelock, i wanted to have somebody on my side who was helping us be proactive and protect our identity. Announcer and listen to this when you call today and use promo code tv60, youll get 60 days of your lifelock membership riskfree. And for extra security at home, we will also send you this document shredder for all your unwanted sensitive documents. A 29 value, its free with your annual membership. Your identity matters. So dont wait. Call right now. Join in minutes. Protection starts immediately. I feel like not having lifelock is kind of like not wearing a seatbelt in a car. Why would you do it . Announcer lifelock. Or visit trylifelock. Com. Use promo code tv60 to get 60 days riskfree and a free shredder with annual membership. Start your membership with lifelock today and get the best identitytheft protection available. Call right now. Whats the difference between facing Identity Theft alone and having lifelock . Meet jamie and elaine. Both had their personal information stolen. But jamie did not have lifelock, and she struggled with Identity Theft for two and a half years. I just thought i would call the bank and rectify the situation and that would be it. And it was not. Theres so much that you need to handle and take care of that youre not even aware of. I talked to i cant even tell you how many people at how many different agencies. There was always Something Else to take care of, another number to call, another avenue to try to exhaust to clear up my credit, and it just did not happen. Two and a half years that i tried to deal with this on my own. And i got nowhere. When criminals tried to use elaines Social Security number to open up a cellphone account, lifelock detected it in their network. They sent her an alert, and she spoke to a lifelock agent. And the lifelock representative said that she wanted to conference me in with the cellphone company so that i could verify that it was in fact not me. And they turned down the application. It was a very easy process. And thats why im glad i was a member of lifelock. So, what exactly does lifelock do to find potential threats to your identity . I spoke to dr. Stephen coggeshall, lifelocks chief analytics and science officer, to find out how lifelocks proprietary technology works. Dr. Coggeshall, thanks for being here. My pleasure. Tell me about lifelocks proprietary technology. Well, we do a variety of things. And what we do is really cool. Lifelocks exclusive technology monitors hundreds of millions of transactions every second, watching for applications for credit cards, retail credit, cellphones, and even loans and mortgages. We look for the use of your personal information, such as your Social Security number, so we can confirm that your transactions really are yours. And then you alert me, as a lifelock customer, if you see something out of the ordinary . Thats correct. If a member gets an alert, they have the opportunity to say, oh, yeah, thats me. But if its not them, if theyre sitting home watching tv and they get one of these alerts, they can press a button and contact lifelock, and we start the process of shutting that fraud attempt down. Lifelocks primary purpose is to help protect our members from Identity Fraud. Thats the reason we started as a company. Thats our purpose in life. Thats our reason for existence. Its a huge amount of relief for our members that they say, you know what, i dont really know what to do, but i know who i can call. And when they make that phone call, the agent takes the lead. Their job is to take that effort and energy off your plate and make sure that we get this thing resolved as quickly as possible. When a member comes to me and after the initial set of paperwork that i collect, i can then take their case off their hands. They can move on with their daytoday life, and i take the case from there. We have the knowledge of the specific questions that need to be asked. We have the knowledge of what department we need to speak with. We have the knowledge of what correspondence you need to receive confirming this has been resolved. Trying to handle it on your own can take so much time, so much effort, and if you dont know what to do or what to say, sometimes it doesnt even get resolved. And so its huge that theyre getting that resolution and everything is taken care of for them. They know that for sure. So here i am, trying to call and prove that im the real jennifer, and they just dont believe me. Announcer when jennifer was alerted that a credit card had been opened in her name, she thought it would be simple to shut it down herself. I probably talked to six or seven people. Each time, id have to repeat my story. I did not sign up for this credit card. I dont owe you any money. That person says, well, i cant help you, but let me transfer you to this person, and its just so aggravating. Its like, just send me to the right person. When my lifelock agent got involved, she knew exactly who to talk to. When i got the final resolution from lifelock, like, it was like a weight had been lifted off my shoulders. Honestly, i dont know what i wouldve done without lifelock. Have you given your private information to an identity thief . Jim stickley shows us how you could get tricked into doing just that. So heres another scam that criminals will do. Theyll get an 800 phone number and theyll set it up so that it will be able to forward to their own cellphone. Then theyll call up and theyll leave you a voicemail message, and theyll pretend to be from your financial institution. So when you get home and hear this message, immediately youre concerned. So you call the 800 number, and then theyll say for security purposes, they need to know your Social Security number. People are used to hearing this all the time. May i verify your Social Security number . As far as youre concerned, you just took care of a problem with your account. Perfect, give me just one second to pull up your account here. In reality, you just gave up your personal information. Thats all i needed. Yeah, no problem at all. And thats how easy it is to steal someones Social Security number. In 2015, i got a letter from the irs saying they needed to prove my identity. Somebody had filed a return in my name. To know that somebody knew enough about me that they could go through with filing a tax return with my name, my Social Security number, it just felt wrong. Well, when i called bobby, my lifelock agent, and when she started going through the process, the steps, it was like, ah, they know what theyre doing. Great feeling. Do you shred your documents . Have Strong Passwords . Have a Good Relationship with your bank . Do you believe these things will protect you from having your identity stolen . Well, theyre not always enough. Lifelock members have identitytheft protection in place before a problem occurs. If Identity Theft hits them, they have someone on their side to help catch it before a small spark of a problem turns into a forest fire. And that can make all the difference. Announcer like it or not, your personal information is out there, stored by insurers, employers, schools, and more. Its everywhere, and it could be stolen. Its no wonder 1 in 4 people have been a victim of Identity Theft. If your identity is stolen, who will work with you to resolve your case . Dont face identity thieves alone. There is something you can do to help protect yourself. I signed up for lifelock. We have someone in our corner to help fight that fight. Announcer join the millions of people who made the smart choice to become members of lifelock, the best identitytheft protection available. A lifelock membership means you have awardwinning Technology Working for you, scanning hundreds of millions of transactions each second to detect and alert you to threats. If we detect your information being used, we will send you an alert. If you have a problem, a u. S. Based agent will be assigned to your case and take the lead to fix it. Every single time the lifelock agent, if weve had to stay on the phone too long with the other company, the agent will always say, let me take this, angela. Ill call you back when i get them back. And i just feel like they respected my time and me. Announcer while free credit monitoring only alerts you to changes in credit, lifelock detects a wide range of identity threats and helps to resolve problems. Lifelock theyre not just gonna monitor your credit. Theyre gonna be there to help you afterwards if something happens. Announcer our u. S. Based team of specialists works to resolve all types of Identity Theft, and well spend up to 1 million on lawyers and experts if thats what it takes. You have this whole team of people on your side, and you know that you dont have to go it alone. Announcer start your lifelock membership right now for as little as 9. 99 a month. Every lifelock member gets identitythreat detection and alerts, a u. S. Based agent working to fix issues, up to 1 million for lawyers and experts if needed. And listen to this when you call today and use promo code tv60, youll get 60 days of your lifelock membership riskfree. And for extra security at home, we will also send you this document shredder for all your unwanted, sensitive documents. A 29 value, its free with your annual membership. Your identity matters, so dont wait. Call right now. Join in minutes. Protection starts immediately. Having lifelock there to help us through we didnt feel like victims anymore. Announcer lifelock. Or visit trylifelock. Com. Use promo code tv60 to get 60 days riskfree and a free shredder with annual membership. Start your membership with lifelock today and get the best identitytheft protection available. Call right now. If your identity is stolen, it could be by just one culprit. But Identity Theft can also be organized crime criminals breaking into servers, breaching the personal information of thousands, and even millions of people at a time. And your information could be included. So, what happens when your information is stolen in a breach . What do criminals do with that information . Well, unfortunately, much of it ends up right here on the dark web. This is a place where criminals can go to put items up for sale with very, very little risk of ever having that information traced back to them. So let me show you an example here. In this particular case, this is somebody whos bundled up 48,000 medical records for sale on this one particular blackmarket website. These records include things like your name, your address, your phone number, your Social Security number, your date of birth. All of the information that makes you who you are is currently for sale in this one big bundle along with 48,000 other people. Now, you think about it from a criminals standpoint. Theyre gonna take this information, and now they can go out and start committing all types of fraud. So they can do things like open up new charge accounts, get a new loan. They can get a fake i. D. That has your information but their picture, and now they can go to stores and open up lines of credit that are billed back to you. It doesnt matter how good you are at personally protecting your identity. It can still end up with all of your information out there. If you have lifelock before a problem occurs and they detect your personal information being used, they can help address it before it becomes a major issue. You know, ive always heard of these data breaches at retailers. You always think it doesnt happen to you. And it did. My information, as well as that of many others, had been breached during the Christmas Shopping season by this major retailer. And thats when i said, i have to protect my family. I called lifelock. [ chuckles ] it was so simple, and i actually was kicking myself that i didnt do it earlier. Sometimes i even like hearing the ding, knowing theres an alert. Lifelock makes me feel safe knowing someone is concerned about my future and that of my children. Why cant free credit monitoring handle identitytheft protection for you . Well, free credit monitoring just spots changes to your credit. But what good is seeing a problem if you dont fix it . Lifelock alerts you to potential problems and helps you to fix them. And if youre a victim of Identity Theft, you need that to make sure a problem doesnt get out of hand. Its something thats out of my control. I cant protect my identity all the time with everything that i do. Bad people are gonna get your information whether you want them to or not. I have, really, a teammate in lifelock, knowing that theyre keeping an eye out for things, things that i couldnt do myself. And having them on my side. And it really is that [sighs] i can just relax and take one worry off my plate. Protecting your identity is a Smart Financial move. Personal finance expert, bestselling author, and journalist Lynnette Khalfanicox helps her clients with their financial portfolios. Heres what she had to say about identitytheft protection. You might be doing a lot of things right. You might be saving, planning for the future, investing. All of those things are great. But if you havent taken time to protect yourself against the very real risk of Identity Theft, then you havent really secured your familys finances in a way thats smart. This is financial protection that you cant afford not to have. Its kind of like the people who say to me, uh, im too cashstrapped, and i cant afford to save. I say, you cant afford not to save. Likewise, you cant afford not to protect your Credit Health and your identity. A lot of times, the members are so grateful because they dont know how they wouldve resolved it on their own. Those cases that do take a long time, the members will tell me, i wouldve given up a long time ago. We really do help stop Identity Theft. We help close down the accounts that have been opened fraudulently. We give them a peace of mind that they wouldnt otherwise have. Most of us procrastinate more than we should. We know Identity Theft is a very real problem. We think well put a plan in place, someday, right . Now, maybe youve even thought about joining lifelock, and just havent gotten around to it. In the meantime, Identity Theft is the Fastest Growing crime in america. Why not join right now . Put someone on your side to help spot problems before they grow, and then to help fix those problems. Dont wait. Do it right now. It takes just minutes to join, and your protection starts immediately. Ive been attacked seven times since 2011. And each time, lifelock was there to help me. Im gonna be a lifelock member for life. The value of lifelock to me, its priceless. Whats the value of your credit . Whats the value of your familys credit . What is more important than making sure the only you out there is you . Announcer now its your turn. Join the millions of people who made the smart choice to become members of lifelock, the best identitytheft protection available. A lifelock membership means you have awardwinning Technology Working for you, scanning hundreds of millions of transactions each second to detect and alert you to threats. If we detect your information being used, we will send you an alert. If you have a problem, a dedicated u. S. Based agent will be assigned to your case and take the lead to fix it. We really help deal with Identity Theft, period, whatever that Identity Theft might be, whether it is tax fraud, whether its creditcard fraud, loan fraud, medical fraud. We go and help our member resolve that. Announcer while free credit monitoring only alerts you to changes in credit, lifelock detects a wide range of identity threats and helps to resolve problems. Lifelock, theyre not just gonna monitor your credit. Theyre gonna be there to help you afterwards, if something happens. The creditmonitoring agencies, theyre just gonna go, nope, you had an issue. Its on you. Whereas lifelock says, let us help you. Announcer our u. S. Based team of specialists works to resolve all types of Identity Theft. And well spend up to 1 million on lawyers and experts if thats what it takes. They know everything that theres no way i could know. I dont have to think about how do i fix this . I turn it over to lifelock and theyll help me. Announcer when thieves steal your identity, it can cost you time, money, and peace of mind. Be prepared so you dont have to face Identity Theft alone. Start your lifelock membership right now for as little as 9. 99 a month. Every lifelock member gets identitythreat detection and alerts, a u. S. Based agent working to fix issues, up to 1 million for lawyers and experts if needed. We have an alarm system on our house. We didnt wait for our house to be robbed before we put it in. With lifelock, i wanted to have somebody on my side who was helping us be proactive and protect our identity. Announcer and listen to this when you call today and use promo code tv60, youll get 60 days of your lifelock membership riskfree. And for extra security at home, we will also send you this document shredder for all your unwanted sensitive documents. A 29 value, its free with your annual membership. Your identity matters. So dont wait. Call right now. Join in minutes. Protection starts immediately. I feel like not having lifelock is kind of like not wearing a seatbelt in a car. Why would you do it . Announcer lifelock. Or visit trylifelock. Com. Use promo code tv60 to get 60 days riskfree and a free shredder with annual membership. Start your membership with lifelock today and get the best identitytheft protection available. Call right now. The preceding was a paid presentation for lifelock. Isemet for time lifes video collection. soft music choir there is a fountain filled with blood hi, im bill gaither, and you know, in all of music, theres nothing as moving, as inspiring, as beautiful as a hymn. choir on a hill far away stood an old rugged cross